Tag: health care

2022 Medicare Open Enrollment Tips for You and Your Aging Parents

Are you the adult child of aging parents? Do you look with them each year during Medicare’s Annual Open Enrollment Period to see if there are any health and drug plan changes? These changes can range from out of pocket costs and network coverage to providers and pharmacies within their networks. Beginning October 15, there is much for you and your aging parents to review.

Have your aging parents had health care changes this past year? Because of their health changes and possible Medicare plan coverage changes it is wise for every Florida senior to revisit their health plans at least annually and make the changes they need during the open enrollment period. Below we have a few tips that you can use to be sure your aging parents have the Medicare coverage that best meets their needs.

1. Be sure to review the Annual Notice of Change letter that was sent to your aging parents. Your parents, as Medicare beneficiaries, should have received an “annual notice of change” letter from their Medicare plan. They should have received this letter no later than September. Medicare explains all the changes coming in the new year in this benefits letter. You and your aging parents will now see an overview of their plan, including coverage and costs, premiums, deductibles, and copays.

2. Are you and your parents debating whether to switch plans? Do you and your aging parents want to see what additional plans are out there in your area? Be sure to look at The Medicare Plan Finder on the Medicare website. This is an online tool from the government to help you select and compare plans. You enter the zip code of your parents and details about their medications and whether they receive them by mail, then you and your aging parents can compare plans available in your area.

3. What do your parents need as Florida seniors and have their care needs changed, in fact, is there a less expensive option? If you and your aging parents are thinking about switching to a new plan we recommend you start by looking at their medical expenses over the last six months. This way you can get an accurate picture of whether their Medicare plan is the best fit. By reviewing the medical care for your parents in the last six months, you can account for changes in their health as well as changes in their plan. That being said, is there a less expensive option for your aging parents? Premiums for some parts of Medicare are based on your modified adjusted gross income (or MAGI) from two years ago. MAGI also adds in capital gains, Social Security, and required minimum distributions from individual retirement accounts and 401(k) plans. You and your parents, of course, cannot change your income but you can plan for 2022’s premiums.

For more information, we encourage you to call 1-800-MEDICARE or visit Medicare.gov.

Elder and Estate Planning Attorneys, PA, is a law office small enough to provide personal service but large enough to provide service in Jupiter, as well as Palm Beach, Martin, St. Lucie, and Indian River Counties in Florida. Our law firm will guide you through legal challenges involving elder law, estate planning, trusts, veterans benefits, real estate, and more. We encourage you to contact us and schedule a meeting with our attorneys.

Breast Cancer Resources for Senior Women and Their Loved Ones

Breast cancer impacts millions of women, and by extension millions of families and loved ones. If there is a singular message to this year’s Breast Cancer Awareness Month, it is that these people are not alone. In fact, a major component of the annual October awareness campaign is to promote breast cancer support resources. 

The resources take many forms, but have the common thread of helping those suffering from the disease, and those who have survived it, often at no cost. Research tells us a staggering one in eight women will be diagnosed with breast cancer in their lifetimes, and two-thirds of women with invasive breast cancer will be diagnosed after age 55. This puts aging adult women, and some men, at elevated risk.

Research also shows that early detection and access to support resources can be an effective means for combating the disease. Participation in support groups, where afflicted individuals can receive help and survivors can share support, has been shown to mitigate related emotional stress. Large, reputable organizations providing support like this include the Susan G. Komen Foundation, the National Breast Cancer Foundation and the Breast Cancer Research Foundation

A list of other leading organizations can be found here. Almost all of these groups provide access to online or in-person support communities. Such programs include: 

  • The National Breast Cancer Foundation’s “Beyond The Shock” initiative. This is an around-the-clock online support group where breast cancer survivors are available to answer questions from new patients and share their inspiring stories. 
  • The American Cancer Society’s “Reach To Recovery” program. This offers newly diagnosed patients one-on-one support with breast cancer survivor volunteers. 
  • The Cancer Support Community. This organization hosts free support resources in cities across the country, and provides online support groups hosted by licensed professionals for those who cannot attend.
  • GriefShare. This is a support program for people who have experienced the loss of a loved one.

If you or anyone you know is suffering from breast cancer or needs help coping with related stresses, contacting any of the above mentioned organizations may be able to provide some relief. Moreover, do not wait to contact an estate planning attorney for assistance in crafting critical health care-related estate documents. This step can provide an added measure of peace during a difficult time. Remember, you are always welcome to reach out to our law firm for help preparing the documents you may need now or in the future.